offered to do repair work to your home, ensure that this is a licensed contractor. >> what if your tree falls on your neighbor's yard? in most cases, it is your neighbors problem. >> generally speaking, their insurance company would cover it, unless the tree was debt and you were on notice it was likely to fall and you had not taken action to remediated that. then you are it neighbors insurance company may seek reimbursement. >> damage to your car would be covered by your of a policy, if you have comprehensive coverage under that policy, generally speaking. >> people are often surprised to learn that their homeowner's policy does not cover flood damage. >> that would include water in your basement, for example. federal flood insurance is there for that purpose, but most homeowners policies do not cover flood damage.